Payment Gateway Solution  
 
  Payment Gateway refers to an e-commerce service that authorizes payments for e-businesses & online retailers. It in a way represents a physical POS (Point-of-sale) terminal located in most retail outlets. Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant.  
 
  Working of Payment Gateway:  
 
  Though it may sound simple but actually the entire working of a payment gateway comprises of multiple complex steps; a brief of which is given below:  
 
• Visitor places the order on website and it is sent to the merchant's web server in encrypted format. This is usually done via SSL(Secure Socket Layer) encryption.  
• The transactions details are then forwarded to the concerned Payment Gateway.  
• The transaction information is then passed on to the merchants acquiring bank by the Payment Gateway  
• Merchants acquiring bank then forwards the transaction information to the issuing bank (one that issued the credit card to the customer).  
• The response is then forwarded by the Payment Gateway to the merchant's server.  
• At merchant's server the response is encrypted again and is relayed back to the customer. This allows the customer to know that whether the order has been placed successfully or not.  
 
 
 
 
 
 
 
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